BlastPoint's Banking Scorecard

CNB St Louis Bank

$100M-$1B Specialty: Commercial MO FDIC cert 4549

Maplewood, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

CNB St Louis Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.10% above tier average
+ Efficiency Ratio 6.55% below tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.0% in tier
- Capital Thin: Bottom 29.4% in tier
- Net Interest Margin 0.45% below tier average

Get updates when CNB St Louis Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$852.7M +2.3% YoY +0.3% QoQ	+$466.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 5.9% in tier
Total Loans ?	$677.4M +4.5% YoY +0.5% QoQ	+$421.7M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 3.3% in tier
Total Deposits ?	$732.9M +7.3% YoY +3.1% QoQ	+$404.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 5.2% in tier
Return on Assets ?	1.37% +43.1% YoY +15.9% QoQ	+0.10%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.48% +12.9% YoY +6.0% QoQ	-0.45%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	58.74% -12.4% YoY -5.6% QoQ	-6.55%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.58% -0.0% YoY -13.7% QoQ	-0.31%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	92.43% -2.5% YoY -2.5% QoQ	+15.79%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	18.14% -4.5% YoY -1.6% QoQ	-3.88%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.46% +2.2% YoY -13.5% QoQ	-0.18%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	10.42% +4.7% YoY +0.6% QoQ	-5.41%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.05% +6.3% YoY -74.8% QoQ	-0.23%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#162 of 643 • Bottom 25.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.43%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#197 of 666 • Bottom 29.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.42%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $677.39M

Peer Median: $255.72M

#88 of 2664 Top 3.3% in $100M-$1B

140

Total Deposits

size

Value: $732.89M

Peer Median: $327.97M

#140 of 2664 Top 5.2% in $100M-$1B

157

Total Assets

size

Value: $852.68M

Peer Median: $386.08M

#157 of 2664 Top 5.9% in $100M-$1B

Top Weaknesses (3 metrics)

2261

Tier 1 Capital Ratio

capital

Value: 10.42%

Peer Median: 15.83%

#2261 of 2664 Bottom 15.2% in $100M-$1B

2144

Loan-to-Deposit Ratio

liquidity

Value: 92.43%

Peer Median: 76.64%

#2144 of 2664 Bottom 19.6% in $100M-$1B

2113

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2113 of 2664 Bottom 20.7% in $100M-$1B